08-08-2012 09:52 AM
Looking for any advice anyone can offer! Make good money but feel on rough times. Have 8 accts (occured 1-2.5 years ago but trying to have them removed) that are paid in full charge offs; however, all my other accts are reflected as current...no lates...paid on time. Have an orchard acct with $320 limit (use every month PIF), Saks credit card $100 limit (work there part-time for the discounts), husband jared's account as a co-applicant (balance $1163) and recently was approved for a BoA CL of $3000. Should I apply for anymore credit? I would like to apply for a AMEX Costco...but if anyone have any other cards suggetions I am interested. Thanks
08-08-2012 09:53 AM
Are these scores FICO or FAKO?
08-08-2012 09:58 AM
I think your best efforts are removal of the bad accounts. Keep working the PFD and GW process... and Good Luck.
08-08-2012 10:01 AM
Those are my FAKO
08-08-2012 10:03 AM
+1 don't go backwards by applying to early keep moving forward. Your not ready for Amex yet.
TRUST me, the best thing you can do for your credit now is READ, READ, READ this forum and your score will sky rocket in the next year to two.
08-10-2012 11:10 AM
Any adive on how I should use the BoA credit card in order to help boost my CLI in the future and how it is reported? Thanks!!!